Finance Team

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Our finance team acts for a number of financial institutions to collect monies owed to them under various types of agreement.

Whilst we are actively involved in all aspects of finance recovery, our major clients fall within two areas: Consumer Credit Agreements; and factoring and invoice discounting.

As a firm we are committed to delighting clients with the highest levels of service.

Consumer Credit Agreements

We have considerable experience and expertise collecting outstanding monies under Consumer Credit Agreements (CCA), through our pre legal and legal processes.

As an example of improving collections, we agreed with one of our high street bank clients to apply for charging orders over their debtors’ property. This resulted in millions of pounds of unsecured debt being secured, which in turn has been reflected in very substantial sums being paid when the property is sold/ re-mortgaged.

However, it’s not just financial institutions we help. We also act for large payroll departments who have to collect monies under CCA from ex-employees, under the governments “Learning for All” and “Bike to Work” schemes.

We also act for companies within the telecommunication and other industries who have CCA’s.

Factoring and invoice discounting clients

We act for a number of financial institutions specialising in factoring and invoice discounting. The work we carry out includes:

Indemnifier/guarantor actions

We pursue indemnifiers and guarantors where the client is unable to recover monies due to them from collections on the ledger.

Customer actions

We issue proceedings against customers on behalf of our client in respect of invoices which are assigned to them.

Ledger collections

We will undertake both pre legal and legal collections where required.

Assignment letters

We send out letters to customers informing them of our client’s involvement. Where required, we will pursue a second payment if the customer ignores our instruction and makes payment direct to their supplier.

Services we can offer you

We offer:

In the news

The Sixth Edition of  Salinger on Factoring  was recently published. This key work is the leading authority in invoice finance and is used by many of our clients. Spratt Endicott are very fortunate and  proud to have been mentioned in the preface.

You can see more information in our recent news article on the subject.

Our People

  • John Spratt
  • Chairman, Head of Company Commercial
  • 01295 204115
  • Email
  • Hitendra Patel
  • Director
  • 01295 204108
  • Email
  • James Macdonald
  • Senior Associate
  • 01295 204138
  • Email
  • Catherine O’Riordan
  • Associate
  • 01295 204150
  • Email
  • Allanagh Davies
  • Trainee Solicitor
  • 01295 204090
  • Email
  • Christine Ward
  • Tax Law Consultant
  • 07788 750481
  • Email

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Getting In Touch

To find out more about our Finance services, please contact Anis Waiz at

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